PERSONAL FIDELITY HSA® FUNDS TO CONSIDER

Single-fund Solutions Symbol Expense ratio Target risk Net Gross

Fidelity Health Savings Fund FHLSX 0.470% 0.470%

Target date Fidelity Freedom Fund 2065 FFIKX 0.080% 0.080%

Fidelity Freedom Fund Index 2060 FFLEX 0.080% 0.080%

Fidelity Freedom Fund Index 2055 FFLDX 0.080% 0.080%

Fidelity Freedom Fund Index 2050 FFOPX 0.080% 0.080%

Fidelity Freedom Fund Index 2045 FFOLX 0.080% 0.080%

Fidelity Freedom Fund Index 2040 FFIZX 0.080% 0.080%

Fidelity Freedom Fund Index 2035 FFEZX 0.080% 0.080% Fidelity Freedom Fund Index 2030 FFEGX 0.080% 0.080% Fidelity Freedom Fund Index 2025 FFEDX 0.080% 0.080%

Fidelity Freedom Fund Index 2020 FIWTX 0.080% 0.080%

Fidelity Freedom Fund Index 2015 FIWFX 0.080% 0.080% Fidelity Freedom Fund Index 2010 FFWTX 0.080% 0.080%

Fidelity Freedom Fund Index 2005 FFGFX 0.080% 0.080% Fidelity Freedom Fund Index Income FFGZX 0.080% 0.080%

Fixed Income Symbol Expense ratio Government Money Market Net Gross

Fidelity® Government SPAXX 0.420% 0.420% Term

Wells Fargo Short-Term SSHIX 0.450% 0.490% General Intermediate Bond

Fidelity® Total Bond Fund FTBFX 0.450% 0.450%

Fidelity® U.S. Bond FXNAX 0.025% 0.025%

AS OF FEBRUARY-28-2020 PAGE 1 OF 5 PERSONAL FIDELITY HSA® FUNDS TO CONSIDER

US Equity Symbol Expense ratio Large Cap Value Net Gross

JPMorgan Equity Income Fund HLIEX 0.740% 0.750% Large Cap Core

Fidelity® 500 Index Fund FXAIX 0.015% 0.015% Large Cap Growth

T. Rowe Price Blue Chip Growth Fund TBCIX 0.570% 0.570% Mid Cap Value

Wells Fargo Special Mid Cap Value Fund WFMIX 0.820% 0.820% Mid Cap Core

Fidelity® Mid Cap Index Fund FSMDX 0.025% 0.025% Mid Cap Growth

JPMorgan Mid Cap Growth Fund HLGEX 0.930% 1.010%

Small Cap Core

ClearBridge Small Cap Fund LMNSX 0.980% 0.980%

Fidelity® Small Cap Index Fund FSSNX 0.025% 0.025% Opportunistic Value Fidelity® Low-Priced Fund FLPSX 0.520% 0.520% Opportunistic Growth/Core Fidelity® Contrafund® FCNTX 0.820% 0.820%

International Developed Markets

T. Rowe Price Overseas TROIX 0.660% 0.660%

Fidelity® International Index Fund FSPSX 0.035% 0.035%

AS OF FEBRUARY-28-2020 PAGE 2 OF 5 PERSONAL FIDELITY HSA® FUNDS TO CONSIDER

International (continued) Symbol Expense ratio Emerging Markets Net Gross

Fidelity® Emerging Markets Fund FEMKX 0.940% 0.940%

Fidelity® Emerging Markets Index Fund FPADX 0.076% 0.076%

Specialty/Inflation Protection Symbol Expense ratio Inflation Protection Net Gross PIMCO Inflation Response Multi-Asset Fund Institutional PIRMX 1.100% 1.330% Fidelity® Inflation-Protected Bond Index Fund FIPDX 0.050% 0.050%

The categorization of each fund is based on Fidelity’s assessment of each fund’s style based on holdings-based and returns-based characteristics.

The funds on the Fidelity HSA® Funds to Consider list are selected based on certain selection criteria described below. The Fidelity HSA® Funds to Consider list is not a personalized recommendation. To the extent any investment information in this material may be considered a recommendation, it is not meant to be impartial investment advice or advice in a fiduciary capacity, is not intended to be used as a primary basis for your investment decisions, is based on facts and circumstances at the point in time it is made. Fidelity will not contact you with updates if facts or circumstances change although you may contact Fidelity and ask for any updates. Fidelity and its representatives have a financial interest in any investment alternatives or transactions described in this material. Fidelity receives compensation from Fidelity funds and products, certain third-party funds and products, and certain investment services. The compensation that is received, either directly or indirectly, by Fidelity may vary based on such funds, products and services, which can create a conflict of interest for Fidelity and its representatives.

In identifying investment options to include in this material, Fidelity only considered Fidelity open-end mutual funds and open-end mutual funds offered by a limited universe of third-party fund companies that participate in an exclusive marketing, engagement and analytics program with Fidelity for which they pay Fidelity an annual fee. The only third- party fund companies whose funds were eligible for this program were companies that generally have a track record of generating the strongest customer demand for their products from across Fidelity’s customer channels and have been paying Fidelity a sufficient level of compensation for the shareholder servicing performed by Fidelity. Fidelity applied the following process when selecting among the considered funds:

For active funds excluding money market and short duration bond funds, Fidelity uses quantitative screening based on factors which include: below custom category average expense ratios, performance ranking in the top 50th percentile of custom category over past three year or five year periods, and manager tenure of at least three years. If the life of a fund/strategy is less than 3 years, we may consider underlying funds, sleeves and asset class exposures utilized by the fund/strategy and apply screening factors to those. For money market and short duration bond funds, Fidelity uses quantitative screening to narrow the universe based on factors which include maintenance of credit quality and liquidity. For all active funds, additional factors include: open to new investment with minimum fund asset size thresholds. Fidelity believes qualitative assessment is an integral part of the active fund due diligence process as well. The team conducts face to face meetings to analyze whether the manager has a well thought-out philosophy that makes investment sense and is in line with their process. Fidelity looks for a reasonable and repeatable investment process, prudent risk controls, consistent team and culture, and a firm focused on AS OF FEBRUARY-28-2020 PAGE 3 OF 5 PERSONAL FIDELITY HSA® FUNDS TO CONSIDER generating the best returns for clients.

Additional factors may include regulatory concerns and other operational considerations such as timely distribution of fund materials and firm level communications. For passive funds, Fidelity uses quantitative screening based on factors which include: below custom category average expense ratios, versus the relevant category benchmark, open to new investment with minimum fund asset size thresholds.

Analysis is conducted solely by Fidelity IS Research analysts. All information and analysis regarding the funds is obtained through conversations with the respective fund company contacts, including portfolio managers and analysts, as well as from sources such as Factset and Morningstar. Fidelity does not guarantee its accuracy, timeliness, completeness or usefulness. Fidelity does not review the underlying Factset or Morningstar data. For performance information, you should check the fund’s current prospectus for the most up-to-date information concerning applicable loads, fees, and expenses.

As with all your investments through Fidelity, you must make your own determination whether an investment in any particular or securities is consistent with your investment objectives, risk tolerance, financial situation and your evaluation of the security.

Target date investments are generally designed for investors expecting to retire around the year indicated in each investment's name. The investments are managed to gradually become more conservative over time. The investment risk of each target date investment changes over time as the investment's changes. The investments are subject to the of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after the investments' target dates.

The gross expense ratio is the total annual fund operating expenses (before waivers or reimbursements) paid by the fund and stated as a percentage of the fund's total net assets. The net expense ratio is the total annual fund operating expenses after any fee waivers and/or expense reimbursements that will reduce any fund operating expenses. Expense ratios change periodically and are drawn from the fund's prospectus. For more detailed fee information, see the fund prospectus or annual or semiannual reports. Certain funds may have reimbursement arrangements which are specified below:

Annual expense ratio example: an expense ratio of 0.42% on an investment of $1,000= $4.20 per year.

JPMorgan Mid Cap Growth Fund Class I: Contractual Expense Ratio Waiver of 0.08 subject to Expiration Date of 10/31/2020. Expense Waiver is the amount that the fund company waives or assumes of the expenses borne by the fund, until the expiration date, in order to lower the fund's actual expenses. After the expiration date, the expense waiver may be terminated or revised, which may lower the fund's yield and return.

PIMCO Inflation Response Multi-Asset Fund Institutional: Gross and next expense include interest expense of 0.53%. Interest expense is borne by the fund separately from the management fees paid to PIMCO. Contractual Expense Ratio Waiver of 0.23 subject to Expiration Date of 07/31/2020. Expense Waiver is the amount that the fund company waives or assumes of the expenses borne by the fund, until the expiration date, in order to lower the fund's actual expenses. After the expiration date, the expense waiver may be terminated or revised, which may lower the fund's yield and return.

Wells Fargo Short-Term Bond Fund - Class Inst: Contractual Expense Ratio Waiver of 0.04 subject to Expiration Date of 12/31/2020. Expense Waiver is the amount that the fund company waives or assumes of the expenses borne by the fund, until the expiration date, in order to lower the fund's actual expenses. After the expiration date, the expense waiver may be terminated or revised, which may lower the fund's yield and return.

You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your invest- ment at $1.00 per , it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. and its affiliates, the fund’s sponsor, have no legal obligation to provide financial support to money market funds and you should not expect that the sponsor will provide financial support to the fund at any time. Fidelity’s government and U.S. Treasury money market funds will not impose a fee upon the sale of your shares, nor temporarily suspend your ability to sell shares if the fund's weekly liquid assets fall below 30% of its total assets because of market conditions or other factors. AS OF FEBRUARY-28-2020 PAGE 4 OF 5 PERSONAL FIDELITY HSA® FUNDS TO CONSIDER Generally, among asset classes are more volatile than bonds or short-term instruments and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Although the bond market is also volatile, lower-quality debt securities including leveraged loans generally offer higher yields compared to investment grade securities, but also involve greater risk of default or price changes. Foreign markets can be more volatile than U.S. markets due to increased risks of adverse issuer, political, market or economic developments, all of which are magnified in emerging markets.

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

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